Kiatnakin Phatra Bank PCL (KKP) Q3 2026 earnings summary

Executive summary

• 3Q26 consolidated net profit was ฿2,442,251 thousand versus ฿1,688,005 thousand; 9M26 net profit was ฿6,627,732 thousand versus ฿4,163,152 thousand.

• Net profit attributable to equity holders was ฿2,388,135 thousand in 3Q26 and ฿6,465,716 thousand in 9M26, up 43% and 56% YoY, respectively.

• Comprehensive income rose 28% YoY to Baht 2,655 million in 3Q26 and 38% to Baht 6,925 million in 9M26.

• Total assets reached ฿516,847,149 thousand at 30 September 2026, versus ฿488,095,193 thousand at 31 December 2025.

Financial highlights

• Total operating income was ฿7,710,099 thousand in 3Q26 and ฿21,301,731 thousand in 9M26, up 15% and 13% YoY, respectively.

• Net interest income was ฿4,508,241 thousand in 3Q26, up 6% YoY; 9M26 was ฿13,058,682 thousand, up 1%.

• Net fees and services income rose 47% YoY to ฿2,266,346 thousand in 3Q26 and 33% to ฿5,754,055 thousand in 9M26.

• Basic EPS was ฿2.78 in 3Q26, up 38% YoY, and ฿7.72 in 9M26, up 54%; diluted EPS was ฿2.75 and ฿7.67, respectively.

• 3Q26 operating expenses rose 9% YoY to Baht 3,405 million; expected credit loss expense was ฿927,512 thousand, versus ฿908,627 thousand.

Outlook and guidance

• 2026 retail banking priorities: conservative credit stance, loan quality, cost efficiency and higher non-interest income contribution.

• Loan origination remained selective, with retail banking portfolio size deliberately maintained.